转自：新华财经 在推动经济高质量发展的征程中，金融力量至关重要。2025年5月19日，建行四川省分行向锦欣福星康 养集团成功发放超1亿元并购贷款，支持其收购异地优质养老机构，为该公司注入强劲的发展动能。 此次合作是建行四川省分行深入贯彻落实中央金融工作会议精神、践行金融"五篇大文章"的重要举措， 也是支持幸福产业发展、助力客户打造中国康养行业标杆的生动实践。 践行金融"五篇大文章" 精准服务实体经济 此次并购由于涉及多方主体，业务结构复杂，涉及法律、税务等多领域专业知识。建行四川省分行充分 发挥金融领域的专业优势，组建了一支由资深金融专家、法律专业人士和税务顾问等组成的专业服务团 队，成员各司其职，紧密协作，从并购方案的设计优化，到法律风险的把控、税务筹划的制定，服务团 队凭借专业的知识和丰富的经验，为企业提供了全流程的顾问服务。 并购贷款的成功发放正是建行四川省分行在养老金融领域的又一重要实践，高度契合锦欣福星"深耕养 老、辐射全国、不断创新"的发展战略，精准助力其"专业化、标准化、连锁化、智慧化"建设方向，为 更多老年人提供高品质的颐养生活。 深化银企合作 共筑康养产业新生态 随着我国老龄化程度不断加深， ...

1 证券代码：002093 证券简称：国脉科技 国脉科技股份有限公司 投资者关系活动记录表 编号：2025-009 | | 特定对象调研 □分析师会议  | | --- | --- | | 投资者关系活动 类别 | □媒体采访 □业绩说明会 | | | □新闻发布会 □路演活动 | | | □现场参观 | | | □其他（请文字说明其他活动内容） | | 活动参与人员 | 华安基金管理有限公司基金投资部雷蒙先生 国信证券计算机研究员云梦泽先生、库宏垚先生 | | | 国脉科技董事长陈维先生 | | | 国脉科技董事会秘书张文斌先生 | | 时间 | 2025 年 5 月 20 日（星期二） | | 地点 | 腾讯会议 | | 形式 | 线上交流 | | 交流内容及具体 | 本文中所涉及的未来计划、发展战略等前瞻性描述不 构成公司对投资者的实质承诺，敬请投资者注意投资风险。 | | | 1、本季度的 AI 智能体发布会上会有哪些内容？ | | | 答：本季度的发布会将重点呈现我司居家养老 智能体 AI | | 问答记录 | 的实操演示、创新养老模式的深度解析，以及主动精准健 | | | 康管理的研发进展。更多 ...

Core Insights - The aging population in China has surpassed 300 million, accounting for 22.0% of the total population, leading to a growing demand for diversified and quality elderly care services [1] - The government is actively promoting policies to encourage social capital investment in the elderly care sector, creating a multi-trillion yuan "silver economy" market [1] - Despite the promising market outlook, challenges such as underdeveloped business models, profitability issues, and a shortage of professional talent persist [1] Industry Overview - The Chinese elderly care industry is experiencing unprecedented growth opportunities due to supportive national policies and changing market demands [2] - There is a shift in consumer expectations among the elderly, moving from basic care to higher-level needs such as health management, social interaction, and quality of life [2] Company Strategy - Chunsuanmou, a subsidiary of Ocean Group, has adopted a rental and property modification model to quickly establish elderly care services [3] - The company has developed a "3+ business structure" focusing on three main product lines: CB elderly apartments, CLRC senior communities, and CBN nursing homes, operating nearly 30 main facilities across nine cities with over 10,000 beds [3] Business Model Evolution - Chunsuanmou is transitioning from a property rental model to a "light asset" management and brand service model, allowing for rapid expansion and reduced capital pressure [5] - The company is exploring partnerships with local state-owned platforms to enhance cooperation and share risks and benefits [6] Service Quality and Innovation - Chunsuanmou emphasizes professional and standardized services, incorporating international best practices and local innovations into its service system [6] - The company has developed a comprehensive service system for dementia care, including a digital platform and a commitment to high service standards [6] Talent Development Challenges - The elderly care industry faces a significant talent shortage, characterized by low social recognition, low wages, and high labor intensity [7][8] - Chunsuanmou is addressing this issue through partnerships with over 90 educational institutions for talent cultivation and internal training programs [8] Profitability and Market Challenges - The company acknowledges that achieving sustainable profitability in the elderly care sector is challenging, often requiring 3-5 years to reach a stable occupancy rate of over 60% [9] - The success of occupancy rate improvement relies on market maturity, service quality, brand reputation, and effective marketing strategies [10] Future Directions - Chunsuanmou plans to focus on light asset operations, management, and brand services while expanding in key urban areas and developing home-based smart elderly care services [10]

康养是未来极具确定性的赛道，它不仅关乎企业的发展机遇，更与我们每个人、每个家庭的生活息息相关。今天，我想结合行业趋势、 实践经验，以及 "物业 + 养老" 的创新模式，与大家分享我的思考。 第一，康养产业是有确定性未来的。 2025年4月2日，由日新网主办的"PMIF2025物业经营创新者论坛-上海站"成功举办，PMIF是日新网主办的全国系列主题论坛，论坛以"科 技赋能，增值创新"为主题，汇聚行业先行者与科技领军企业，深度解析AI赋能下的服务场景重构路径，探讨如何通过智能化基建搭建、 数据资产运营及服务模式创新，将传统物业从"空间管理者"升级为"生活服务集成商"，在降本增效的同时开辟增值服务第二增长曲线， 共同绘制物业行业智慧化转型的价值蓝图。 在 "椿天里" 模式中，我们设计了1 个邻里中心、4 大功能、13 个模块，涵盖健康管理、老年教育、便民服务等内容。同时，我们创新推 出 "窗帘计划""长者守护计划" 等温暖举措：例如，孩子与老人约定每日清晨拉开窗帘，若未响应则触发紧急关怀机制，通过非药物疗法 （如手工活动、社交互动）延缓老人机能退化。这些实践不仅提升了服务温度，更构建了社区居民的情感纽带。 第四，关 ...

Group 1 - The core idea of the news is the launch of a free tourism bus service in Dongchangfu District, Liaocheng, Shandong, aimed at connecting urban and rural cultural tourism spots, enhancing local tourism and community engagement [1][3] - The first bus departed from Ping Community in Liuyuan Street at 8:30 AM on May 17, linking key locations such as Liuzhuang Village and the Martyrs' Cemetery [3] - The initiative leverages over 30 cultural tourism resources to create six thematic routes, including red education, intangible cultural heritage, and ecological countryside, covering all 14 towns and streets in the district [5] Group 2 - Jiangsu Province is experiencing a shift towards a moderately aging society, with all 13 cities now classified as such, prompting a projected investment of approximately 1 billion yuan in 2025 to support the construction of elderly care service systems [7] - The establishment of grassroots elderly living experience centers across the province by 2025 aims to provide local elderly residents with hands-on experience of various smart elderly care products, ensuring continuous service follow-up [9] - Jiangsu is developing an "Internet + Smart Elderly Care Platform + Call Center + Smart Terminal" service system to offer comprehensive support services such as meal assistance, bathing, cleaning, medical care, and mobility assistance, achieving a connected and responsive elderly care service network [10]

Group 1 - The province has issued a document requiring regions and departments to explore and expand job opportunities in key sectors, industries, and small and micro enterprises to promote employment for key groups such as college graduates [1] - The province aims to increase employment by advancing major engineering projects, transforming traditional industries, and cultivating new productive forces, with a focus on ten strategic emerging industries including robotics and biomedicine [1] - Investment in urban renewal will be increased, with a focus on projects in transportation and ecological areas, as well as rural environment improvement and water conservancy construction [1] Group 2 - The province is working to tap into employment potential in the livelihood security sector, expanding the elderly care industry and increasing the scale of domestic service employment [2] - Six major measures have been introduced to support employment and entrepreneurship for key groups, including reducing logistics costs and extending policies for unemployment insurance [2] - The government is providing free incubation space for key groups and supporting enterprises in implementing a new tiered worker system to enhance skill recognition [2]

此外，养老机构工作人员流动性大，应急预案"套模板"情况严重。不少养老机构工作人员以周边村镇45 岁以上的农村妇女为主要就业群体。有的养老机构混岗问题突出，门卫兼护工、厨师兼护工，专业性严 重不足。多家养老机构的消防应急预案从总则到人员配备、处置流程章节"长相雷同"，缺乏结合本院实 际情况制定的逃生指引、不同楼层定人定责等要素。 青海海东市互助土族自治县恒生长青照护中心负责人唐先生感叹，养老机构招人不易，"常常用一两年 培养出一个护理人员，很快就跳槽去医院干护工、去城里干月嫂了。" 此外，家庭式养老场所成消防监管新盲区。目前，家庭式养老机构以其规模小、离家近的优势，成为都 市养老的新形式。家庭式养老机构普遍位于住宅小区内，面积小于300平方米、床位少于10张，按相关 规定定义，目前只需在市场监管备案，不在民政等部门的指导和监管范围，护理质量和消防安全存在隐 患。 "目前，对于设置在住宅小区的家庭式养老场所，有关部门尚未出台相关监管办法和措施，也没有相关 消防法规和技术标准支撑，一旦发生火情，老年人的人身安全将面临巨大考验。"陕西省消防救援总队 防火监督处专业技术一级指挥长谢景荣表示。 "防范火灾不只是摆几个灭火 ...

Core Viewpoint - The long-term care insurance (LTCI) system in China has created a new workforce of 300,000 long-term care professionals over the past nine years, but there is a significant gap between the demand for care services and the supply of qualified personnel, which poses a challenge for the system's development [1][2][3]. Group 1: Current Situation and Demand - There are approximately 35 million disabled elderly individuals in China, representing 11.6% of the total elderly population, leading to a projected demand for around 10 million long-term care workers [2][3]. - Research indicates that the labor demand gap for socialized elderly care services could reach between 3.6 million and 5.8 million, with future needs potentially rising to 10.9 million to 14 million by mid-century [3]. Group 2: Workforce Challenges - The long-term care workforce is characterized by low educational levels, low pay, low professional recognition, high average age, high work intensity, and high turnover rates [4]. - The average age of long-term care workers in certain regions is around 50, with a significant portion of the workforce being over 50 years old, making recruitment of younger staff a major challenge [4][5]. Group 3: Policy and Training Initiatives - The National Healthcare Security Administration has initiated training programs for long-term care professionals, aiming to enhance talent cultivation and attract more individuals to the industry [2][7]. - The introduction of the long-term care worker certification system is expected to improve the professionalization and attractiveness of the industry, as well as enhance public recognition of the role [9][13]. Group 4: International Comparisons and Best Practices - Learning from Japan and South Korea, the development of the long-term care workforce is closely linked to the establishment and improvement of long-term care insurance systems, which include measures to attract and retain talent [7][12]. - Japan's experience shows that despite efforts to improve working conditions and recognition, high turnover rates persist, indicating the need for ongoing efforts to enhance the appeal of the profession [12]. Group 5: Future Outlook - The professionalization of long-term care workers is seen as a critical step towards addressing the industry's challenges, with a focus on creating a supportive environment that recognizes the value of care work [11][14]. - The ongoing development of training programs and certification standards is expected to facilitate a younger and more skilled workforce in the long-term care sector [13][14].

Group 1 - The core initiative is the issuance of the "Fifteen Measures" by the Sichuan Provincial Civil Affairs Department to support the construction of a common prosperity pilot zone in Panzhihua, focusing on reform empowerment, pilot projects, project support, and talent cultivation [1] - Seven of the fifteen measures are related to the elderly care industry, aiming to establish Panzhihua as a key hub for the silver economy industry chain in the province, integrating various stakeholders such as enterprises, universities, research institutions, financial institutions, and service organizations [1] - The measures include support for the integrated reform of community-based elderly care services, with one densely populated county (district) in Panzhihua designated as a pilot area [1] Group 2 - The project support includes the construction of five community elderly care service complexes, five demonstration elderly meal network projects, and five family care service projects for disabled elderly individuals [2] - Since the establishment of the common prosperity pilot zone, 71,300 low-income urban and rural residents have been included in the dynamic monitoring range, with the construction of three elderly care service complexes and eight meal networks [2] - A total of 321 public welfare charity service centers (stations, rooms) have been established, achieving full coverage of the charity service network [2]

Group 1: Elderly Care Services - The province has developed 776 community dining facilities, serving approximately 15,000 elderly individuals daily, addressing the meal difficulties faced by the elderly, especially those who are elderly and living alone [2] - The provincial government has initiated concentrated care services for economically disadvantaged elderly individuals, ensuring that those with moderate to severe disabilities and high-aged individuals receive necessary support [3] - The province has established 2,414 elderly care institutions, with nursing bed occupancy reaching 55.5%, and has built 12,000 family care beds for eligible elderly individuals [3] Group 2: Childcare and Education Services - The province has expanded its public preschool resources, with 8 new or renovated public kindergartens and 2,659 new slots in affordable kindergartens this year [6] - The province has achieved a coverage rate of 90.8% for quality public kindergartens in townships, ensuring that rural children have access to better educational environments [7] - Professional training for preschool teachers has been emphasized, with 900 rural kindergarten teachers trained in the first five months of the year to enhance educational quality [8]